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Benefit |
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Assurant
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Most Others
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Why It's Iimportant
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Worldwide Coverage,
24 Hours a Day
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YES |
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NO |
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It doesn't
matter whether you're nearby or far from home,
you're covered, 24 hours a day.
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Portability |
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YES |
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NO |
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Most health insurance companies will not allow you
to move from one state to another and keep the
coverage. You will have to cancel your current plan
and apply in the state you are moving in to. Even it
is a same company in the state you are moving in to,
you still will have to give up your plan.
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Initial rate guarantees-up to 36 months
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YES |
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NO |
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Lock in your premium rate for at least the first 12
months. With many deductibles you have a 24 month
rate guarantee and the option to extend it to a full
36 months.
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Lifetime benefits maximum options up to $8 million
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YES |
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NO |
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Medical treatments cost more and more every year. Is
your insurance company going to provide you with
sufficient coverage.
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Choice of Doctors and Hospitals |
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YES |
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NO |
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Most insurance companies will limit your providers
and where you can go to get treatment. The reason
for that is good doctors charge a lot more money and
most insurance companies are not willing to pay
them. With Assurant Health you don't have to jump
through hoops when you need a specialist's care -
simply make an appointment.
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No Referrals necessary to see a specialist
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You do not
need referrals to see a specialist
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You do
need a referral to see a specialist
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If you have to get permission from your insurance
company for everything that you do, you have no
insurance. With Assurant Health you don't have to
jump through hoops when you need a specialist's care
- simply make an appointment.
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Single deductible for accidents
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YES |
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NO |
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With medical cost skyrocketing, more insurance
companies getting creative. Some plans will have you
pay deductible every time you go to the hospital or
have an accident.
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No limit on intensive care unit (ICU)
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NO limit
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Insurance company will make a decision
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With no
daily dollar limit when confined in an ICU, you'll
have the peace of mind you need at a critical time.
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Healthy Discount
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YES |
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NO |
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Healthy Discount rewards you for maintaining your
good health by providing 10% off your renewal rate.
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Ongoing Coverage for Your Children |
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YES |
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NO |
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Regardless of age or student status, your covered
children can remain under your plan until they marry
or are no longer primarily dependent on you for
financial support.
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Insurance company rating by A.M. Best |
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YES |
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Depends on
the insurance company.
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A company's strength is most important when it's
time to pay benefits. A.M. Best, the highly
respected insurance rating source, consistently
rates Assurant Health (Time Insurance Company) A-
(Excellent) - affirming its outstanding ability to
meet claims-paying obligations.
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Stability |
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YES |
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Depends on
the insurance company |
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Long-term stability and success in any business
takes expertise. Tracing its roots back to 1892,
Assurant Health has been selling individual medical
insurance longer than any of its competitors. And
with more than one million customers nationwide, it
has earned a solid reputation for health insurance
know-know.
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